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Re: Mitchell and Whale insurance brokers

We just zoomed past a really cool mile stone and have helped over 1000 riders find great new insurance this year!

Finding great motorcycle insurance has been a challenge experienced personally by a few of our staff and we decided to take on the challenge of being the best place to get motorcycle insurance in the province head on.

It’s been really awesome to see how happy our customers are after they talk to us. A lot of the time we hear they’ve been calling 5 or 6 other places before they meet us and we find them a solution in less than 10 minutes.
As a brokerage, we aren’t an insurance company, we work for our customers and get them insurance through companies that don’t work directly with the public. There’s no one magic company that is right for every rider, so unlike direct writers who only have access to 1 set of rates, or most brokers who have 2 or 3 different companies, we have over 10 companies that we work with for motorcycle insurance.

We know every insurance company has its own target market, some companies will do sport bikes, some won’t, while other companies will do an M1 rider while other ones will only take experienced riders. We know some riders only have a motorcycle and don’t have a home or auto to bring with them so we made sure we have companies that will do standalone motorcycle. For the riders who want to bring over their home and auto we have companies that will offer 40% off your motorcycle insurance if you bring everything over.

Big thank you to everyone on GTAmotorcycle for sending tons of customer’s our way and we will continue to find riders awesome insurance!
Enjoy the rest of the riding season!

Re: Mitchell and Whale insurance brokers

Will gladly give these folks a strong recommendation. My Intact policy had gone from 1100 to 2100.
Some of this was my fault - 2 minor speeding on me now, anyway they found me comparable coverage
with Echelon for 900 less, and the switchover could not have been easier: whole thing done via email.
Great service.

Re: Mitchell and Whale insurance brokers

@ JavaFan.
Awesome! Really happy we were able to save you $900 on your insurance. That's a lot of gas money! Enjoy the rest of the summer and we're really happy to have you on board!
Thanks again for the positive feed back.

Re: Mitchell and Whale insurance brokers

Great news for experienced riders!
We’ve been working really hard with our insurance partners to find great motorcycle rates for all riders both new and experienced. We have really great news for riders that have a clean record and have been licensed for 6 or more years.
Wawanesa, has increased their Multiline discount to 50% when you have both your home and auto insured with them.
You can also save 40% by just doing your motorcycle and auto together if you don't need home insurance.
Not only can you get your motorcycle insurance for half price, but you can also insure a sport bike under 1000 cc with them.
Feel free to give us a call at 855 643 4392 and we'll check if a Wawanesa bundle with your home and auto makes sense for you.

p.s. We still have great options for new riders so anyone looking to get riding before winter comes, we'll be happy to help you out as well!

Re: Mitchell and Whale insurance brokers

@ slowbird. You can cancel and switch companies at any time. The math all depends on when your policy started. Motorcycle policies are priced based on the riding season, so how much you owe your current company will be based on how much of the riding season your policy was in force for. If it started in the spring you probably want to wait until renewal as most of the riding season has been used.
For some rough math I've included the earned premium chart used by most companies. If your policy were to start on April 1st for example and you were to cancel at the end of September you would have earned 90% of your policy premium.
That means if you were to cancel today you would owe a total of 90% of your total annual premium to your current company minus how much you've paid them so far. If you paid your full premium at once you would get 10% refunded. If you were on monthly payments, you would subtract how much you paid with your monthly payments from the total amount owing for how much you would still have to pay your current company.

Re: Mitchell and Whale insurance brokers

Big thank you to everyone at GTAmotorcycle for an awesome year. We've had tons of fun connecting with the awesome members here and making insurance the best it can be.

As a broker, rather than an insurance company, making insurance a better experience for you the customer is a big part of our job.
We've heard from lots of new riders who had a hard time getting insurance, so we found insurance solutions for them. We heard from lots of people who said they can't get insurance on a right hand drive vehicle, so we developed solutions to make getting those insured quick and simple. Knowing the challenges people face for insurance is important so we can work with companies to fix them.

We hear feedback from our clients on the general state of insurance in Ontario, and we also want to hear from the people who aren't yet our clients. To help with this, we launched a insurance company review section of our website, listing most of the major insurance companies in the province. We regularly report back to our partners with client feedback and this will be great tool for us to show them on how they stack up against the competition and how to improve.
Feel free to pop on over and leave a review for any of the companies you have experience with. https://mitchellwhale.com/insurance-companies/

And of course if you have any questions about insurance, want to know how motorcycle insurance works, what you can do to save money, or what kind of bikes are easier to insure than other ones, feel free to give us a call and we'll be happy to chat.
Happy holidays everyone and have a happy new year!

Re: Mitchell and Whale insurance brokers

@JavaFan. Thank you for the great review!
We do our best to give all of our customers service that our mothers would be proud of and love hearing any feedback our clients have for us.
Have a great new year and enjoy riding this spring!

Re: Mitchell and Whale insurance brokers

Classic motorcycle insurance.
We've had quite a few people ask it if they can get classic motorcycle insurance in Ontario for their collector bikes. Good news for collectors is, yes you can get classic motorcycle insurance.
Just like classic car insurance there are a few basic restrictions, you must have another motorcycle that is your primary use motorcycle, your classic motorcycle isn't used on a regular basis, your bike is over 25 years old and so on.
If you have a classic bike we'll be happy to review your options and get you great insurance.

Re: Mitchell and Whale insurance brokers

Great question theshnizzle.
A letter of experience (LOE) is a letter from an insurance company that you have been insured with that states how long you were insured with them, how your policy was cancelled and if there we any claims. Most of your Ontario insurance history is updated to a database called "Autoplus" but sometimes insurance companies don't fully update the information on there. Likewise, if you are moving from another province or from the USA your insurance information isn't on Autoplus, so having a letter of experience allows you to get credit for your history. Most of the time if you have always been insured in Ontario, you'll never need one as all of your insurance history should have been posted to Autoplus. Sometimes though, insurance companies make mistakes in their data entry and things on the Autoplus don't make sense. In those instances, we'll ask for an LOE to clarify your prior history.
To get an LOE all you have to do is call your prior company or broker and ask for one.
Hope that answers your question. Feel free to ask away if you have more questions.